Credit Card FAQ

19 min

What types of cards can uses for Credit Card payment methods?
All cards with ﻿ Visa, Mastercard, JCB, and Amex logos.
﻿
What's the difference between paying with a card with the GPN logo and other Credit Cards?
Other ﻿s work with American Express, Mastercard, VISA, and JCB so they can use for domestic and foreign ﻿s. Meanwhile, cards bearing ﻿ ﻿ logo can only use for domestic ﻿s.
﻿﻿ visit ﻿ GPN﻿ ﻿ for further ﻿ regarding ﻿.
﻿
Is there an authentication process using OTP?
Yes, ﻿ ﻿ will be managed by ﻿ MID ﻿.
﻿
What is ECI code on Credit Card?
ECI code is a ﻿ ﻿ code available in ﻿ 3Ds Authentication ﻿ that the ﻿ can acknowledge ﻿ successful ﻿ of the ﻿'s authentication result.
ECI Code 
(VISA and other Principal)
ECI Code (Mastercard)
Description
05
02
Authentication is successful and card ﻿ security is ensured with 3D Secure ﻿.
06
01
Authentication has already been tried, but it has been unsuccessful because ﻿ ﻿ Issuer or card for ﻿ ﻿ isn't integrated with ﻿ 3D Secure ﻿. 
07
00
Authentication is unsuccessful because of various factors, such as ﻿ card used for ﻿ transaction or ﻿ issuing card isn't safe, an error within ﻿ Directory Server, ﻿ card failing to integrate with ﻿ 3Ds ﻿, or a card already integrated with ﻿ 3Ds ﻿ but fail on ﻿ authentication ﻿.
﻿
How is the payment process by Credit/Debit Card?
﻿﻿ visit Credit Card Payment Flow﻿ ﻿ for further ﻿.
﻿
Why can transactions using Credit Cards can fail?
The card is not active.
The card is expired.
Invalid card number.
Invalid expiration date.
Invalid CVV.
The Issuer network is not supported.
The daily card usage has reached its limit.
3Ds Visa credit card.
﻿
How do Merchants check transactions that have been successfully paid by Credit Card?
Merchants can view ﻿ history within a certain period through ﻿ Merchant Back Office﻿ at:
﻿Transaction Data﻿ ﻿ to check all ﻿ data, or
﻿Fail Transaction﻿ ﻿ to check failed ﻿ data.
﻿
Can the display of the OTP on the Credit Card be magnified?
For ﻿ OTP ﻿ ﻿, ﻿ display can't enlarge.
﻿
What is meant by Settlement?
﻿﻿ is ﻿ ﻿ of recording a ﻿ & transferring ﻿ funds from a financial institution (﻿ or ﻿) to an individual or company that in this case will refer to as a ﻿.
﻿﻿ check ﻿ Settlement Process﻿ ﻿ for further ﻿.
﻿
Can Merchants make arrangements so that Customers don't need to re-enter card details for future transactions?
Yes, ﻿ recurring feature is a solution to support these ﻿ needs.
﻿
Can Credit Card transactions be done from abroad?
Yes, if it matches ﻿ ﻿ CC support tagline: Visa, Mastercard, JCB, Amex 3D Secured, and ﻿.
﻿
Is there a refund process at the Merchant Back Office for payment with a Credit Card?
﻿﻿'s Merchant Back Office﻿ provides a refund ﻿ for payments with ﻿.
﻿﻿ visit ﻿ Transaction Data﻿ ﻿ for further ﻿.
﻿
How do I process a refund on a Credit Card?

﻿﻿ visit Credit Card Transaction Settlement﻿ ﻿ for further ﻿.
﻿
How long does it take to process a Credit Card Settlement?
H+3 on workdays.
﻿
Can Merchants request certain blacklist bin cards?
Merchants can request certain blacklist bin cards.
﻿
Can Merchants use non-CVV Credit Card recurring?
You can't, because to prevent fraud recurring you have to use CVV.
﻿
Is there a maximum limit for Merchants to make Credit Card refund payments?
The maximum time for a ﻿ refund is 90 days / 3 months.
Please contact NICEPAY Customer Service team for further information related to refund on Credit Card payment method.
Please contact <a style="color:blue;text-decoration-line:underline" href="mailto:cs@nicepay.co.id">NICEPAY Customer Service</a> team for further information related to refund on Credit Card payment method.
Please contact <a style="color:blue;text-decoration-line:underline" href="mailto:cs@nicepay.co.id">NICEPAY Customer Service</a> team for further information related to refund on Credit Card payment method.
﻿
﻿

ECI Code (VISA and other Principal)	ECI Code (Mastercard)	Description
05	02	Authentication is successful and card security is ensured with 3D Secure .
06	01	Authentication has already been tried, but it has been unsuccessful because Issuer or card for isn't integrated with 3D Secure .
07	00	Authentication is unsuccessful because of various factors, such as card used for transaction or issuing card isn't safe, an error within Directory Server, card failing to integrate with 3Ds , or a card already integrated with 3Ds but fail on authentication .

Credit Card FAQ

What types of cards can uses for Credit Card payment methods?

What's the difference between paying with a card with the GPN logo and other Credit Cards?

Is there an authentication process using OTP?

What is ECI code on Credit Card?

How is the payment process by Credit/Debit Card?

Why can transactions using Credit Cards can fail?

How do Merchants check transactions that have been successfully paid by Credit Card?

Can the display of the OTP on the Credit Card be magnified?

What is meant by Settlement?

Can Merchants make arrangements so that Customers don't need to re-enter card details for future transactions?

Can Credit Card transactions be done from abroad?

Is there a refund process at the Merchant Back Office for payment with a Credit Card?

How do I process a refund on a Credit Card?

How long does it take to process a Credit Card Settlement?

Can Merchants request certain blacklist bin cards?

Can Merchants use non-CVV Credit Card recurring?

Is there a maximum limit for Merchants to make Credit Card refund payments?

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